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Understanding surrogacy costs

If you're thinking about having a baby through surrogacy, we can help you understand the surrogacy programs available, the cost of surrogacy, and how much you can expect to pay for egg donation. Circle Surrogacy is transparent in their surrogacy costs and offers an all-inclusive cost program for parents to plan financially for their journey.

How much does surrogacy cost?

The cost of surrogacy, is one of the first questions we are asked by intended parents interested in growing their family through surrogacy. In general, you'll find that surrogacy costs can range from around $80,000 to upwards of $200,000.

If you're thinking, "That is a big range! How can I find out how much surrogacy will really cost me?", you're not alone. In order to get a full picture of how much surrogacy will cost, it's important to understand all that goes into making up a surrogacy journey, so the costs are reflective of everything you will need during your journey.

Circle Surrogacy offers one all-inclusive cost program for surrogacy, the Journey Protection Guarantee Program. At Circle, the cost for surrogacy only is $142,250, and for surrogacy and egg donation is $163,250. Understanding what goes into the surrogacy process helps intended parents see the need for professionals and certain surrogacy expenses.

Surrogacy Costs Breakdown

surrogacy costs breakdown

One All-Inclusive Cost Program

Circle Surrogacy & Egg Donation is the leading surrogacy agency because we always put our Intended Parents’ needs first. Our program and surrogacy costs are structured to achieve two primary goals: success and cost security.

Circle is proud to offer the all-inclusive Journey Protection Guarantee Program, which is designed to help as many Intended Parents as possible bring home a baby while reducing variable costs.

Journey Protection Guarantee Program
Surrogacy only: $142,250
Surrogacy plus egg donation: $163,250
(both prices exclude IVF)

Our Journey Protection Guarantee offers Intended Parents:

  • An all-inclusive cost that covers unlimited transfers and any complications that may arise during your journey
  • 100% refund of our agency fee if you have no embryos remaining and do not bring home a baby
  • No surprise costs or invoices

The costs outlined above are for our Surrogacy Only and Surrogacy Plus Egg Donation Programs. For more information about the costs of our other programs, please email us or call us at 617.439.9900.

Surrogate costs explained

Why is surrogacy so expensive?

A surrogacy journey consists of many professionals with experience in egg donation and surrogacy – including knowledge of surrogacy laws and contracts, as well as the IVF process. Because the surrogacy process can be complex, intended parents should have a solid team of professionals helping them manage their journey. Intended parents are paying for the professionals' or agency's experience in this ever-evolving field. All of this factors into surrogacy costs.

What does a surrogacy agency fee cover?

If you work with a surrogacy agency, you will have to pay a surrogacy agency fee. The agency fee covers many aspects of your surrogacy journey, including:

• Management of your entire journey, from start to finish
• Screening & Matching with your Carrier and Egg Donor
• Journey support
• Trust Account management
• Legal work
• Insurance

Managing a surrogacy journey and all the moving parts can be very time consuming, which is why many intended parents choose to work with – and pay – a surrogacy agency to handle all of the details.

Can I make surrogacy more affordable by doing an independent journey?

Intended Parents who wish to reduce surrogacy costs may opt to do an independent surrogacy journey, in which case they will be responsible for finding their own surrogate, managing the surrogacy process and their journey, coordinating with IVF clinics and local monitoring clinics, and finding their own lawyers to handle legal surrogacy contracts. Please know, pursuing and independent journey does not necessarily mean a cost savings.

Circle offers a reduced-cost program for intended parents who find a surrogate mother on their own. Learn more about our Surrogacy with Your Own Surrogate program.

How much do surrogates cost?

Surrogate mother costs account for about 55% of total surrogacy costs at Circle Surrogacy. Circle's all inclusive Journey Protection Guarantee Program is designed so that Intended Parents can plan financially for their journey, with no surprise costs along the way. On average, surrogates are paid between $50,000-$60,000 for a surrogacy journey.

What are the costs for a surrogate?

The cost of a surrogate can be broken down into the following:

Base compensation. Her base compensation is generally between $30,000-$40,000, and is determined by where the gestational carrier is located, whether or not she has insurance, and if she is an experienced surrogate (experienced carriers will have a higher base compensation). In addition to her base compensation, gestational surrogate pay includes payments and benefits throughout her journey for reaching certain milestones, traveling, and more.

Professional Services. Professional services for your surrogate include legal and social work support. Each surrogate applicant is carefully screened by licensed professionals with Circle Surrogacy before being accepted into our program. Intended parents will also pay for their surrogate's independent legal counsel and life insurance.

Other Surrogate Expenses. Circle Surrogacy collects an average cost of expenses for your journey, which includes coverage for unexpected costs that can arise. These expenses include typical surrogate expenses during a journey (such as travel and lost wages, monthly stipend, maternity clothes, etc), as well as coverage for unanticipated expenses that may arise during the journey.

Security & protection for surrogacy costs

Our Journey Protection Guarantee Program includes fixed costs on the following:

• Professional Fees
• Gestational Carrier (i.e., surrogate) and Egg Donor Fees
• Pregnancy, Labor & Delivery Insurance

Surrogacy expenses that are a Fixed Cost

Circle Surrogacy offers fixed costs for all professional fees, gestational carrier and egg donor fees, medical and insurance expenses, and can connect you with IVF clinics that offer similar fixed price programs for IVF expenses. This means that Intended Parents will see one price at the beginning of their journey, and that is the price they can expect to pay – no surprises, no inflation, no last-minute extra costs.

Fixed Cost: Professional fees
Fixed cost for all professional fees, including: Matching, Screening, Legal, Accounting, Medical Billing and Re-matches.

What an agency fee covers.
Fixed Cost: Carrier and Donor expenses
Fixed cost for Carrier & Donor fees, including: Carrier & Egg Donor base fees, Travel, Bedrest, Local Monitoring, and Contingencies (e.g. C-section).

How surrogates are compensated.
Fixed Cost: Pregnancy, Labor & Delivery Insurance
Fixed cost for Medical & Insurance expenses, including: Premium/Gestational Carrier Payment, Maternity Insurance, Complications, Life Insurance, Insurance Defense, and Back-up Policy.

Read more about medical and insurance expenses.

Financing for More Affordable Surrogacy

Circle Surrogacy understands that surrogacy requires financial planning for many people, so we’ve worked hard to develop a competitive and fair financing option for intended parents who need assistance in securing the necessary funds.

Our exclusive financing plan enables intended parents to more easily afford surrogacy with low-APR loans.

Insurance costs for your surrogate

Circle can help coordinate a multitude of options for insurance relating to your journey. We employ eight lawyers to help ensure parents receive proper coverage.

Surrogacy programs available

Circle Surrogacy & Egg Donation offers a variety of program options for intended parents who wish to grow their family with third-party reproduction. Our programs include:

• Surrogacy Only
• Surrogacy Plus Egg Donation
• Egg Donation Only
• Surrogacy with Your Own Surrogate
• Dual Journey
• Sibling Journey

We're happy to walk you through each of these programs to see which one is the best fit for your family-building needs.

Common questions from parents like you

As you consider parenthood, you may have questions along the way. Don't worry. With 25 years of experience, we've helped parents navigate surrogacy and their journeys to parenthood, and have answered almost every question out there!

How can you reduce the total cost of surrogacy?

While it’s easy to pin down the average cost of surrogacy, it’s actually fairly tricky to know beforehand exactly how much you’ll spend. That’s because surrogacy arrangements are all unique, and a plethora of variables will affect the bottom line. Even so, following some basic guidelines will almost certainly bring down your surrogacy cost.

First, talk to more than one fertility clinic. Working with a clinic that Circle has partnered with will give you access to a special, negotiated rate - but they’re all different, and offer a variety of programs. Finding the most competitive option with the right fertility services for you can create a significant cost savings. And of course, you’re not restricted to our partner organizations - we’ll support your journey in any fertility clinic you choose.

Second, consider the health insurance situation of your gestational surrogate or egg donor. If she isn’t already insured, the cost of buying an insurance policy to cover her surrogate pregnancy (along with non-covered medical expenses) could be significant.

Third, be flexible with your calendar. As in many parts of life, rushing tends to increase costs. Finding more affordable clinic and donor options can sometimes be a matter of time. If you’re prepared to be patient, your surrogacy cost may come down significantly.

How will Circle help me navigate health insurance?

In the American healthcare system, health insurance is crucial to covering the medical expenses associated with your surrogate pregnancy. The Circle team has deep expertise in navigating the (sometimes labyrinthine) world of health insurance, and can help assess and defend insurance policies and cases, so that all the costs of surrogacy are appropriately covered.

We’re diligent about screening for and accepting candidates whose maternity insurance that will fully cover a surrogate pregnancy. And when surrogates aren’t adequately covered, we can facilitate high-quality, surrogacy-specific insurance coverage for your surrogate. In other words, the Circle team will ensure that your entire surrogacy journey is financially stable and protected by top-tier health insurance.

How much does the surrogate mother get paid?

Surrogate mothers can earn on average between $30,000-$45,000 base fees, plus additional benefits and compensation based on milestones during the surrogacy journey. In total, a surrogate mother an earn up to $60,000; experienced carriers will earn a little bit more.

How long does the whole surrogacy process take?

The length of the process depends on several factors. We typically tell intended parents that they should plan on a year and a half from the time they sign on with our agency until they have a child, although it can be quicker or longer depending on the legal requirements involved and the course of the IVF treatment.

How do I begin the process?

Starting your surrogacy journey begins with a complimentary consultation with our experienced team. You'll speak with an attorney as well as a process consultant. In this meeting you'll have an opportunity to share your story with us and why you're chosen surrogacy to grow your family, and we'll explain about our process and program offerings, and answer any questions you have.

Can I be a parent if I or my partner is HIV+?

Yes. Thanks to the Special Program of Assisted Reproduction (SPAR), intended parents who are HIV+ are able to grow their families with surrogacy. Through a sperm washing technique and HIV testing, it is possible for HIV+ men to safely father a biological child of their own with no risk to the baby or surrogate. For more information about surrogacy for HIV+ intended parents, email [email protected].

Is Circle Surrogacy affiliated with any groups?

Yes. We are members of the American Society of Reproductive Medicine (ASRM). We work closely with the LGBT Community Center in New York, Family Equality Council, Resolve New England, Gay and Lesbian Advocates and Defenders (GLAD), and Parents via Egg Donation (PVED). Our attorneys are active in the American Bar Association (ABA) Section of Family Law’s Subcommittee on Assisted Reproduction Technology and are admitted to the Massachusetts, New York, and California State Bars.

How are Circle surrogates screened?

To join our surrogate program, potential candidates have to complete a thorough 3-step screening process that includes a pre-screening phase, a lengthy surrogate consultation with a licensed social worker who is on staff at Circle, and third a psychological exam.

Read about our best-in-class screening process here.